Credit Centre

If you want to keep track of your building or remodelling costs or if you like some payment flexibility, sign up for a The Home Depot® Credit Card. We offer options that suit individuals and business owners.

In addition, you can use your Home Depot® Consumer Credit Card to take advantage of exclusive offers and promotions throughout the year.

Consumer Credit Card

The Home Depot® Consumer Credit Card:Open anaccount today and enjoy no interest if paid in full within 6 months* on any purchase of $299 or more (including taxes) when you use your Home Depot® Consumer Credit Card†. Payments required. No Annual Fees.

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How to Read Your Statement

Manage your Home Depot® Account Online

You've got all the tools you need to manage your account securely right here:

Check your balance or available credit easily

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See when a payment is due or posted

View unbilled activity and statements

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* Interest accrues from the purchase transaction date and will be waived if each minimum monthly payment required during the promotional period is paid in full by its payment due date and the purchase price is paid in full by the plan expiration date. If not, interest will be charged at an Interest Rate of 28.8% per annum in accordance with the Consumer Cardholder Agreement.

† On approved credit. Financing provided by Citi Cards Canada Inc. This offer is valid at The Home Depot Canada locations outside of the Province of Quebec. Offer not available to Quebec residents.

(For Quebec residents)

* Credit charges on your promotional purchases will accrue from the date of the purchase and will be waived if each minimum monthly payment required during the promotional period is paid in full by its payment due date and the purchase price is paid in full by the plan expiration date.

If not, interest will be charged at a Credit Rate of 28.8% per annum in accordance with the Consumer Cardholder Agreement. During the promotional period, each minimum monthly payment is equal to 1% of Purchases or $10, whichever is greater, plus other amounts as described in your Consumer Cardholder Agreement and as set out in your Account Statement.

For Debt to which a Regular Financing Plan applies (as those terms are defined in the Consumer Cardholder Agreement), each minimum monthly payment is equal to 1% of total (i) unpaid Purchases and (ii) unpaid Cash Advances appearing on statements prior to the current statement as well as on the current statement (if any), plus related interest and any past due amounts, or $10, whichever is greater, plus other amounts as described in your Consumer Cardholder Agreement and as set out in your monthly Account Statement. The billing period covered by each Account Statement will be approximately 28 to 31 days. There are no annual membership or renewal fees and the retailer does not charge any plan administration fees.

Examples of borrowing costs at the standard credit rate of 28.8% per annum (assuming a regular financing plan balance owing during a 30 day month covered by the Account Statement and no other credit plans, fees, additional payments or other charges. All amounts rounded to the nearest cent) are as follows:

If Your Average Daily
Balance Is:

Your Monthly Credit
Charge Will Be:

$100

$2.36

$800

$18.93

$1,400

$33.14

$2,000

$47.34

† On approved credit. Financing provided by Citi Cards Canada Inc. This offer is valid at The Home Depot locations in the Province of Quebec only.